UToledo Human Resources

Retirement Systems

Eligible full time faculty may enroll in the State Teachers Retirement System (STRS) and eligible full time staff may enroll in the Ohio Public Employees Retirement System (OPERS). Both groups have the option to choose the Alternative Retirement Plan (ARP). Please see contact information below.

Retirement@Work: Employee Portal

Managing your UToledo 401(a) Alternative Retirement Plan and UToledo 403(b) Supplemental Plan can now be completed through the Retirement@Work Portal. Please use the following unique UToledo link to get started

The Coronavirus Aid, Relief and Economic Security (CARES) Act

The Coronavirus Aid, Relief, and Economic Security (CARES) Act allows retirement plan sponsors to offer participants additional financial relief. The Retirement Review Committee has voted for the following provisions pursuant to the CARES Act:

Required Minimum Distributions: The CARES Act temporarily suspends the requirement for Required Minimum Distributions (RMD) for the 2020 tax year.

403(b) Coronavirus Related Distributions: The CARES Act waives the 10% early withdrawal penalty and 20% withholding for a Coronavirus Related Distribution (CRD) up to $100,000. These distributions will be subject to taxation; taxes may be paid over a three year period.

403(b) Loan Limit Increase: The CARES Act increased the maximum loan limit from $50,000 or 50% of vested account balances to $100,000 or 100% of vested account balances to loans made within 180 days of enactment.

For additional information on the requirements and availability of these provisions, please contact your current vendor.  

*Employer ARP Mitigating Contribution

Retirement System Contributions Effective 7/1/17

Retirement Plan

Employee Contribution

Employer Contribution






(9.53% to Plan, 4.47% Administrative Fee*)






(11.56% to Plan, 2.44% Administrative Fee*) 













Employee contributions are "deducted" by the University from the employee's gross pay and paid directly to the retirement systems, thereby enabling employees to defer current federal and state taxes on this income.

Members of the STRS, OPERS, or ARP who leave University employment may withdraw their retirement contributions. The University’s contributions are vested after five years. This means that if the contributions are left on deposit, STRS or OPERS members will receive a pension at retirement age. For ARP members, vesting is immediate.

Last Updated: 7/20/21